Retirement; like your parents, but way cooler
In 1991 Billy and Akaisha Kaderli retired at the age
of 38. Now, into their 4th decade of this
financially independent lifestyle, they invite you
to take advantage of their wisdom and experience.
and Retiring in India
Q and A with a Reader
Billy and Akaisha Kaderli
Hi Akaisha \ Billy
I just finished the
book. Firstly thank you
for writing and sharing the book.
While I was aware of many ideas, your first-hand experience has added credibility to them. I found
insights into skill
trading, emotional challenges and car free living most useful. Our traveling
style is local and very similar to yours except for
being car free, and we hope
to further put into practice the useful tips that we have access to now.
We come from India, currently living in
Dubai while children are in Canada and hence we do understand your emphasis on
cost. We plan to make most of our Dubai stay using the
connectivity this city offers for traveling around and retire by the end of
Monks crossing the road in Chiang Mai,
While you mention
medical tourism in India,
we didn't find any other mention of India in the book. Do you think India is a
good base for retirement in the same league as
Thailand or say
Guatemala? The reason we ask this question is because we see India as our future
retirement base. We are also curious to know of your experience, if you traveled to India.
Hats off to you folks
for the decision that you made in the year I started my career and best wishes for your continuing
long journey. As you say "Hopefully we can meet up somewhere, someplace,
Ven Aca restaurant on Lake Atitlan,
Thank you for taking the time to write such
a lovely email. We are very happy that you found our book to be useful to you -
and thank you for listing what things were the most helpful to you.
We appreciate that!
Billy and I have never been to India. We
have several friends who have gone, but in our travels we have focused
elsewhere. So, unfortunately, we have no experience nor information about
retirement in India.
However -- I can make a few suggestions to
you that will be helpful no matter where you might choose to retire.
Before I get into that - You might try
looking up on the internet "Retirement in India" and find all sorts of useful
information. We might also suggest that you
join an Expat Forum or something of
that nature and ask how retirement in India is going -- pricing, medical,
travel, cost of living, etc. This would be very helpful to you.
The other suggestions I have would be to
remind you that there are 4 categories of highest spending in any household --
Housing, Transportation, Taxes and Food/Entertainment.
Housing is THE biggest outlay of capital in
any household. If you modify your housing expenses -- you can live anywhere in
the world. Transportation is the 2nd biggest cost (insurance, maintenance,
licensing, fuel, parking, etc.) So if you can pare down to one car or none at
all and instead, use other sources of transport that, too, will save you a lot
How you structure your taxes also has a big
impact on your retirement nest egg. If your retirement "income" is all taxed at
a regular income rate instead of say, capital gains - you could be paying more in taxes
than you need be. You might want to research that matter a little bit more.
And of course, the Food/Entertainment is
something that is within our personal control. If you have high expenses in
entertainment, you can go through quite a bit of your savings quickly.
If you have any other questions, feel free
Again, thank you for your lovely email, and
we appreciate that you took the time to write to us.
Take care and please do stay in touch.
All our best,
Akaisha and Billy
About the Authors
Early Lifestyle appeals to a different
kind of person – the person who prizes their
independence, values their time, and who doesn’t
want to mindlessly follow the crowd.
Retire Early Lifestyle Blog
About Billy & Akaisha